This worksheet creates an end-of-month cash ledger for a ROBS-funded company. It separates operating cash from retirement-plan assets, labels owner cash separately, and keeps one-time events visible instead of hiding them in a burn-rate shortcut.
Direct answer
Use the calculator to test whether entered unrestricted cash, recurring revenue, recurring expenses, one-time inflows/outflows, owner cash, and a reserve floor hold up over a selected horizon. SBA planning materials support monthly cash-flow projections and finance tracking[1][2]. IRS ROBS materials support keeping plan assets, employer stock, records, annual filings, valuation, and business-failure concerns distinct from operating cash[3][4]. The result is arithmetic only, not a forecast guarantee or advice.
No. The calculator only creates a deterministic cash ledger from entered assumptions. It does not evaluate legal solvency, going-concern status, business viability, lender approval, valuation, or probability of failure.
No. Starting cash means unrestricted operating cash held by the business. Do not include retirement-plan trust assets, plan-owned employer stock, restricted deposits, expected tax refunds, future financing, or sale proceeds unless the business has actually received unrestricted cash and you enter it in the appropriate field.
Month 1 uses the current monthly amount. Later month m uses base × (1 + rate)^(m − 1). Rates may be positive or negative, but declines below -100% are invalid because they would invert the amount.
The ledger continues. A negative closing cash row is not a bankruptcy conclusion; it is a warning that the entered assumptions no longer fund the operating ledger without additional action.
Run separate cases by changing one assumption set at a time: base case, lower collections, higher payroll, delayed opening, higher debt service, or added owner cash. Compare first negative month, reserve breach month, lowest cash, and cumulative inflows/outflows without ranking the scenarios as approved or recommended.
SBA says business plans guide starting, managing, running, and growing a business; funding requests should explain how much funding is needed, what funds will be used for, and include financial projections such as cash flow statements, with monthly projections for the first year. Checked Aug. 13, 2026; page modified July 30, 2026.
https://www.sba.gov/counseling/plan-your-business/SBA states accounting for revenue and expenses helps keep a business running smoothly; balance sheets help track capital and provide cash-flow projection; available cash, accounts receivable, accounts payable, payroll, and tax obligations are finance-management topics. Checked Aug. 13, 2026; page modified July 30, 2026.
https://www.sba.gov/counseling/manage-your-business/IRS describes ROBS as retirement assets rolled into a plan that buys new C corporation stock; notes determination letters do not approve operations; identifies Form 5500, Form 1120, valuation, prohibited-transaction, recordkeeping, business failure, bankruptcy, lien, and dissolution concerns. Checked Aug. 13, 2026; page last reviewed Nov. 16, 2025.
https://www.irs.gov/retirement-plans/rollovers-as-business-start-ups-compliance-projectIRS says good records help monitor business progress, prepare financial statements, identify income sources, track deductible expenses, prepare tax returns, and support items reported on tax returns. Checked Aug. 13, 2026; page last reviewed May 1, 2026.
https://www.irs.gov/businesses/small-businesses-self-employed/recordkeepingPublished by 401kROBS for education. This page is not individualized legal, tax, investment, fiduciary, accounting, lending, solvency, valuation, or financial advice. There is no lead form on this page, no account creation, no saved scenario, and no browser storage. Affiliate relationships, if present elsewhere on the site, do not change the fixed formulas or neutral labels in this worksheet.
Compare funding sources separately